12774 Rio Grande TrlLusbyMD20657
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 12774 Rio Grande Trl, Lusby, MD, 20657 in Lusby. Priced at $225,000, it generates $2,111/mo in gross rent and $661/mo in net monthly cash flow, a 11.26% yield that comfortably supports the 1.98 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,937. Five-year appreciation: $62,163. Equity from principal paydown: $1,886/yr. Total projected cumulative return: $126,885.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.5% |
| Monthly Cash Flow | $661 | $320 |
City averages based on Lusby market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,111 |
| Total Monthly Debt Service | $1,365 |
| DSCR Ratio | 1.55x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1963
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
